shouldiuse.io

VERDICT

Should I use InCharge Debt Solutions?

Debt Relief Solutions: Nonprofit Credit Counseling, Debt Management and Debt Consolidation. Helping Millions Become Debt Free Since 1997. - incharge.org

Depends. InCharge fits people with real credit-card debt who want a nonprofit's structured payoff plan and free counseling. Skip it if you can self-manage with a budget, or need fees disclosed before you enroll.

Confidence

Medium. Based on 20+ public sources; many snippets truncated, and no numeric review ratings were available.

Ratings

  • Value for money
  • Ease of useNo evidence in sources reviewed
  • Feature depth
  • Support quality
  • Security posture

Pricing

Debt Management Program

Setup plus monthly fee; not published, varies by state

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes

Best for

  • Credit-card debt needing structured payoff
  • People wanting free nonprofit counseling
  • Military members seeking debt help
  • Those comparing multiple relief options

Not for

  • People who can DIY with a budget and discipline
  • Anyone wanting published, upfront fees
  • Guess: folks whose debt is mostly student loans
  • Small-debt cases where program fees outweigh savings

Gotchas - check before you buy

high

Complaints say two creditors never received payments, damaging the filer's score

medium

State-by-state fees; Minnesota directory says agency does not post fee information

medium

Guess: DMPs run roughly 3-5 years; dropping out early forfeits creditor concessions

Pros and cons

Pros

  • Nonprofit 501(c)(3), operating since 1997
  • Free credit counseling, including military-specific help
  • Full menu: counseling, debt management, consolidation, settlement guidance
  • Positive BBB customer reviews
  • Cited on TransUnion's credit-help resources

Cons

  • Fees not publicly posted; vary by state
  • Complaints allege missed creditor payments hurt credit scores
  • 13 complaints logged on ComplaintsBoard alone
  • Mixed sentiment across Trustpilot and Reddit threads

Sources & method

Analyzed 9/25/2026 - 10 sources - No known vulnerabilities found in the sources reviewed.

official x3review x5security x2

Key stats

  • Value for money: 4/5

    Rating

  • Setup plus monthly fee; not published, varies by state

    Starting price

  • 10

    Sources

  • Analyzed

  • Value for money: 4/5. Nonprofit; free counseling sessions offered
  • Ease of use. No evidence in sources reviewed
  • Feature depth: 4/5. Counseling, DMP, consolidation, settlement, student loan guidance
  • Support quality: 3/5. BBB praise; missed-payment complaints exist
  • Security posture: 4/5. No known issues; published privacy page
  • 1997 Operating since Per company tagline
  • 501(c)(3) nonprofit Org type Idealist and official listings
  • 13 ComplaintsBoard complaints 13 reviews, 13 complaints logged
  • Excellent Gridinsoft trust scan No malware flags on URL scan

Pricing

Debt Management Program

Setup plus monthly fee; not published, varies by state

  • Consolidated monthly payment sent to creditors
  • Nonprofit model; fee schedule not posted publicly

Security

No known vulnerabilities found in the sources reviewed.

What users say

Feedback is mixed: strong praise on BBB alongside complaints about missed creditor payments and credit-score damage.

“Messed up my score”
ComplaintsBoard reviewer
Full analysis

Based on 20+ public sources; many snippets truncated, and no numeric review ratings were available.

Legit 501(c)(3) credit counselor since 1997; fits structured payoff needs, skip if you can DIY or want upfront fees.

Methodology

Based on 20+ public sources; many snippets truncated, and no numeric review ratings were available.

Sources

  1. InCharge Debt Solutions homepageincharge.org
    official
  2. About Usincharge.org
    official
  3. Trustpilot reviewstrustpilot.com
    review
  4. BBB customer reviewsbbb.org
    review
  5. ComplaintsBoard reviews and complaintscomplaintsboard.com
    review
  6. Reddit r/personalfinance threadreddit.com
    review
  7. Finder.com review (2026)finder.com
    review
  8. Minnesota.gov agency directory listingmn.gov
    official
  9. Gridinsoft URL trust scangridinsoft.com
    security
  10. InCharge security and privacy pageincharge.org
    security

Rate this review

Anonymous. You can change your vote.

Loading votes…

Comments

One queue. No nested comments. Give a display name first. Limit: 200 words per comment and 7 comments per day. You can edit or delete yours.

Save a name to write a comment.

0 / 200 words

No comments yet.